Wintrust Financial Corporation (WTFC) — Cash Flow Quality Index
Wintrust Financial Corporation (WTFC) has a Cash Flow Quality Index of 0.97x as of September 2025. Operating cash flow of $209.78 Million is below net income of $216.25 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore WTFC operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Wintrust Financial Corporation Cash Flow Quality Index (1997–2024)
Historical Cash Flow Quality Index for Wintrust Financial Corporation across 28 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Wintrust Financial Corporation operating cash flow efficiency.
Annual Cash Flow Quality Index for Wintrust Financial Corporation (1997–2024)
Year-by-year earnings quality comparison for Wintrust Financial Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.04x | $721.56 Million | $695.04 Million | ▲ +3.5% |
| 2023 | 1.00x | $1.84 Billion | $1.84 Billion | ▼ -62.8% |
| 2022 | 2.70x | $1.38 Billion | $509.68 Million | ▲ +11.2% |
| 2021 | 2.43x | $1.13 Billion | $466.15 Million | ▲ +237.1% |
| 2020 | -1.77x | $-518.47 Million | $292.99 Million | ▼ -336.6% |
| 2019 | 0.75x | $265.99 Million | $355.70 Million | ▼ -32.0% |
| 2018 | 1.10x | $377.18 Million | $343.17 Million | ▼ -29.5% |
| 2017 | 1.56x | $401.63 Million | $257.68 Million | ▲ +3.7% |
| 2016 | 1.50x | $310.97 Million | $206.88 Million | ▲ +504.7% |
| 2015 | 0.25x | $38.97 Million | $156.75 Million | ▼ -81.8% |
| 2014 | 1.36x | $206.37 Million | $151.40 Million | ▼ -34.9% |
| 2013 | 2.09x | $287.21 Million | $137.21 Million | ▼ -13.4% |
| 2012 | 2.42x | $268.65 Million | $111.20 Million | ▼ -23.3% |
| 2011 | 3.15x | $244.27 Million | $77.58 Million | ▲ +60.8% |
| 2010 | 1.96x | $124.01 Million | $63.33 Million | ▲ +117.0% |
| 2009 | -11.51x | $-841.03 Million | $73.07 Million | ▼ -255.9% |
| 2008 | 7.38x | $151.29 Million | $20.49 Million | ▲ +256.2% |
| 2007 | 2.07x | $115.38 Million | $55.65 Million | ▲ +233.0% |
| 2006 | 0.62x | $41.39 Million | $66.49 Million | ▼ -64.3% |
| 2005 | 1.74x | $116.91 Million | $67.02 Million | ▼ -28.1% |
| 2004 | 2.43x | $124.53 Million | $51.33 Million | ▼ -32.7% |
| 2003 | 3.61x | $137.49 Million | $38.12 Million | ▲ +69.8% |
| 2002 | 2.12x | $59.21 Million | $27.88 Million | ▲ +253.9% |
| 2001 | -1.38x | $-25.45 Million | $18.44 Million | ▼ -132.9% |
| 2000 | 4.20x | $46.84 Million | $11.15 Million | ▲ +47.0% |
| 1999 | 2.86x | $26.93 Million | $9.43 Million | ▲ +313.4% |
| 1998 | -1.34x | $-8.30 Million | $6.20 Million | ▼ -207.1% |
| 1997 | 1.25x | $6.00 Million | $4.80 Million | — |